Quick Loans up to £5000

Best Payday Loans.

£50 to £5,000 paid out by 6:22am*

Fast 3 to 36 month online loans.

100% No obligation loan quote

Get your cash in 15 minutes once accepted*

We don’t credit check or charge any fees†

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Representative APR 49.9% Representative Example: Borrowing: £1200 for 18 months, Total Repayable: £1628.28, Total Interest: £428.28, Interest Rate (Variable): 49.9%.New Horizons is a registered trading name of New Horizons Finance Limited, which is an Introducer Appointed Representative of Flux Funding Limited, who are a credit broker, not a lender.

The best UK payday loans for you

We understand that the best payday loans for you may not be the best for the next person. Because people and their requirements are unique, New Horizons uses your details to identify the best payday loans for your specific needs quickly.

Designed to provide people with small amounts of cash; payday loans are usually intended to be repaid quickly; often after one month – hence their name. Because such loans are often required rapidly and unexpectedly, many direct lenders in the UK now offer these loans online; giving you instant access to the best loan details being provided.

How do I find the best payday loan in the UK?

Many direct lenders will now happily tailor a loan to an applicant’s specific requirements; further ensuring you get access to the very best short term loans. Because of the popularity of such loans, there is an almost endless number of direct lenders claiming to offer the best short term loans rates.

Finding the best loan for you and your situation can often be time-consuming and difficult. We understand that this is often the last thing a person needs when they suddenly find themselves needing emergency loans. New Horizons can swiftly identify the ideal loan companies and the best loans for you completely free-of-charge.

What are the best payday loans for people with bad credit?

Bad credit payday loans are specifically designed to quickly provide quick loans to people who would normally struggle to get such loans because of their bad credit score. In the past, people would try to find a lender who would approve their application rather than find the best place to get a loan for them. However, because of the demand for such loans and changes in how lenders assess a person’s suitability, some of the biggest and best lenders around the UK offer a range of loans for bad credit.

Designed specifically for people who in the past would be turned down for such loans, New Horizons will give you access to a great selection of lenders and some of the best loans deals available, including the best guarantor and no-guarantor loans.

The best loan for one person may not be the best for another person. Apply to get your personalised quote.

New Horizons

Can I get two payday loans at the same time?

While no specific rules are saying that you can’t have multiple payday loans, it is not a good idea to have multiple payday loans at the same time. Payday loans should primarily be used in times of emergency. If you need to use numerous payday lenders at the same time, you may be better suited speaking to someone about your finances.

How fast are the best UK loans?

Bearing in mind the often urgent circumstances with the need for payday loans, the application process for these loans has become straightforward. Following provisions of some personal details, all applications will be swiftly, often almost instantly processed. If successful, the money could be in your bank account within hours or much quicker.

To help you find the best loan rates and get the money into your account quickly, New Horizons will identify which direct lenders will approve your application before you need to apply with them. This will save valuable time and helping to eliminate unsuccessful applications. We understand the need for clear understanding when dealing with financial matters, we therefore only work with lenders who are transparent in all aspects of their loans and who follow ethical lending practices.

You can rest assured that there will be no charges or hidden fees in store for you; ensuring you get the best loan for you.

Can I pay a payday loan off early?

If you would like to pay your payday loan off before the repayment date, most lenders will allow you to do so. Many lenders will reduce the amount of interest for you if you pay early, where others may still charge you the fixed amount of interest that you agreed at the start of your loan. If you are unsure, check with your lender and they will confirm if there are any early repayment charges.

What happens if I can’t repay my payday loan?

If you think you are not going to be able to make an agreed repayment, it is essential that you contact your lender straight away before the payment is due. By doing this, you are allowing the lender to help you before any interest penalties or late fees are added. They may be able to move your repayment date, freeze interest and charges or even re-finance your loan.

Who are the Top 10 Payday Lenders?

It is not an easy question to answer because we believe the best lender is the lender that is most suited to your individual needs. By using your information, our partner will quickly identify the best lenders for you; enabling you to compare the top 10 payday loans and best five payday loans for you. As such, it is easy to become a little wary of such claims.

They are an independent broker and have no allegiance to any one lender. By taking into account the details you provide, they will perform a payday loan compare check for your situation and requirements. While they do of course feature many well-known high street lenders, they match you with the best payday loans for you and your unique circumstances.

Can I find the best lender with no credit check?

The truth is, no. Two of the biggest problems for people looking for a loan previously were the difficulty in performing payday loan compare checks and the risk of negatively affecting your credit score. Therefore, people found themselves with a low credit score before they had even applied for a loan.

While some lenders and brokers say they allow you to compare payday loans without a credit check, the reality is they cannot. However, they have created a system that helps people avoid this detrimental credit check pitfall and gain quicker access to the payday loans they need.

Can New Horizons help me find a loan if I have poor credit?

While there is no avoiding a credit check, New Horizons enables you to find which direct lenders are more likely to accept your application. This is done before you apply; thereby reducing the chances of being refused and helping you protect your credit score.

Just because you need to have a credit check does not mean you will be refused. By using the information you provide us, payday loans companies in the UK now look past outdated factors such as credit history. We are confident that we can help you get access to instant payday loans, that will allow you to resolve your situation quickly.

If you are struggling with your debts and require assistance, you can speak to the companies below, free of charge.

New Horizons is a registered trading name of New Horizons Finance Limited, which is an Introducer Appointed Representative of Flux Funding Limited. Registered in England and Wales (Company number 11757330/FRN 834535) Registered Office: Building 3, 566 Chiswick High Road, Chiswick Park, London, United Kingdom, W4 5YA. Flux Funding is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 806333. Licenced by the Information Commissioners Office, (registration number ZA496853)

Flux Funding is a licensed credit broker, not a lender. †New Horizons will not perform a credit check. If you are accepted by a lender, they will perform a credit search. *Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. **Based on the average number of applications in February 2020.

New Horizons does not charge customers a fee for using its services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement following an introduction through this website.